Potential Problem Lurking
12-28-2012 01:22 PM
I've been working very hard for the past 6 years to get my credit into excellent shape and will be buying my first home next year. Unfortunately, when I got back from vacation today, something terrible happened. My heart sunk when I opened a letter from a CA stating I owed over $200 to their client. (even worse, it's for a service I don't use anymore!) After catching up on all of my VMs, there were 2 messages from the CA too. At first, I thought it was a mistake, but after checking my records, it appears I'm on the hook for the amount owed every year unless I carry out a series of steps to cancel the service.
I've searched this forum for over 2 hours trying to figure out the best thing to do. The CA still hasn't reported as of this afternoon. Their dunning letter was dated 12/6. Can anyone suggest the best way to handle this so it doesn't show up on my file? I can PIF immediately. Should I contact the OC and try to get them to pull it back? (I moved, so I didin't receive this year's invoice and simply forgot about it). Should I do a DV with the CA even though I know it's likely valid?
TIA for any insight!
Re: Potential Problem Lurking
12-28-2012 01:58 PM
You can send a modified PFD to word if you PIF they won't report.
Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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